A loan of $10,000 helped to pay for electrical materials and to help maintain a consistent cash flow.

Charlton's story

Charlton believed early on that he would have a career in drafting, and after high school he tried to enroll in a drafting course at Houston’s Technical Institute. However, the class was full, and fate led him to sign up for a class in the “electrical trades.” The class was very hands-on from the first day, and Charlton discovered that he loved working with circuit boards. This experience began Charlton’s lifelong passion for electronics. He went on to have a 33-year career working for power companies like Dyna Electric and the San Onofre power plant.

With the most recent recession, Charlton struggled as there was little work for electricians. In an effort to reinvent himself, Charlton took marketing and drafting classes at a San Diego community college. He also set up a cleaning business, but found the hours grueling and the work unrewarding.

Charlton finally chose to return to the trade that he deeply values. In 2009, rather than seeking employment, he decided to take control of his own destiny and obtained his independent contractor license. He started Light Duty Electric, an electrical services business in Oceanside, California, and as the construction industry began to recover, business quickly picked up.

Currently, Charlton works 14 to 16 hours a day and takes pride in the skills he has honed. He has a reputation as an honest and skilled electrician. Charlton commits to providing customers with quality electrical work and to paying vendors in a timely manner. As his business grows, he plans to use his Kiva loan to pay for electrical materials and to help maintain a consistent cash flow.

His dream is to eventually be able to grow his business to the point where he can hire employees and purchase additional trucks, passing on both his expert skill and excellent work ethic.

Loan details

Lenders and lending teams

Loan details